GET A QUOTE

It only takes a few minutes to get a QUOTE More »

Choose a Policy

Choose rates from top all the top insurers in one place More »

SAVE!

Which Rate is the Lowest? You could save Hundreds! More »

 

Tag Archives: dui insurance

Florida FR44 – Keeping Things Simple

What’s the Easiest Way to Take Care of a Florida FR44?

So you were convicted of a DUI in the State of Florida and now you have to carry an FR44 for a few years. How do you go about obtaining one? Are there different prices for the same thing? How long does it take to get one?

Ironically, you don’t have to know anything about a Florida FR44 to get one. With minimal personal information such as your name, address, driver’s license number, date of birth, case number… you can get a quote from a reputable insurance agency and a policy can be issued. Most insurance agencies will file all of the proper paperwork for you, notify the appropriate authorities of your compliance, and deliver your policy via both email and snail mail. Basically you sit back and wait anywhere from 24 to 72 hours for your policy to be uploaded to the system in Tallahassee. Once your compliance has been acknowledged by the Florida DMV, you’re free to pay your reinstatement fee and get your license back (provided it was suspended in the first place). You are also free to get an Ignition Interlock Device if required. Payment for the policy can usually be made with a MasterCard, Visa, Discover and sometimes AMEX.

Florida FR44, Florida DUI Insurance, FL FR44

Pricing does vary between insurance carriers, often significantly, which is why working with an Insurance Broker is a good idea. A Broker can shop multiple companies to find the lowest rate for your unique situation. They also learn through experience which companies are better for different situations. Sometimes pricing can vary by as much as $1,000 for the same coverage over a 6 month period of time. It should also be noted that a Florida FR44 MUST be paid in its entirety on the 6 month policy. There are certain exceptions, but a good rule of thumb is to expect to pay anywhere from $300 to $3,000 depending on whether you need a Non-Owner Florida FR44 or an Owner Florida FR44. An Owner policy simply means you need to put an automobile on your plan. With a Non-Owner policy you can’t own a vehicle, but you can legally drive someone else’s car.

Chances are you’ve spent a small fortune on this DUI issue already. Don’t make getting a Florida FR44 any harder than it needs to be.

Florida FR44 – What It Is and How to Get One… Cheap

How to Obtain the Lowest Price on a Florida FR44

What Is an FR44?

An FR44 may be necessary when you have a DUI / DWI / OVWI or other alcohol related violation. Similar in theory to an SR22, an FR44 will mandate that you purchase and maintain insurance coverage greater than the State Minimum Requirements. A second reason for this filing, beyond punishing the violator for his or her offense, is that the State doesn’t trust that the driver will purchase and continue to pay for their insurance policy without a “Nanny System” in place. The insurance company reports to the State DMV, on a monthly basis, that the insured is indeed covered with the required policy amounts. If at any point in time your coverage were to lapse, the insurance company immediately reports that lapse, your license is suspended, and unbeknownst to you… you’re no longer legally able to operate a vehicle. The coverage that must be maintained is 100/300/50.

The first question is whether you need an Owner or Non-Owner Policy. You’ll need an Owner Policy if you actually own a vehicle that you plan on driving. In its simplest form, if your automobile needs to be covered on the insurance policy, you need an Owner Policy. Conversely, if you don’t own a car and plan on just driving other automobiles, insured by their respective owners, you can purchase the lesser expensive Non-Owner Policy.

What Information will you Need to get a Quote on an FR44?

The information you’ll need to provide for a solid quote is as follows:

  1. Full Name
  2. Your Gender
  3. Your Physical Mailing Address (P.O. Boxes are Not Allowed)
  4. Phone Number
  5. Birth Date
  6. Relationship Status (Married, Divorced, Single, Widowed)
  7. Driver’s License Number
  8. The State You’re Licensed In
  9. The State You Need the Filing in (You Can Live In One State and Have to File in Another)

10. Whether You Need an Owner or Non-Owner Policy

11. If an Owner Policy is Needed, the VIN (Vehicle Identification Number) on that Automobile

12. If You Need a Florida FR44, Your Case Number (or Conviction Number), which is a 9 Digit Number (No Letters, All Numbers). You can call the DMV and Request this Number if you Don’t Know it

Quotes can be run in as little as 5 minutes and a number of different insurance companies can be shopped. Shopping the market ensures you get the best product at the best price. You can immediately purchase your FR44 with a MasterCard, Visa, or Discover Card (in most cases). It is not necessary for you to be the Card Holder; anyone can pay for your policy.

What does a Florida FR44 Cost?

It should be noted that since legislation was passed in 2008, a Florida FR44 MUST be paid for in its entirety at the time of purchase (Unlike its SR22 counterpart, which can be paid for via a monthly payment plan). This is usually the biggest issue with obtaining the insurance since the rates can span from a couple of hundred dollars to a few thousand.

Many factors play into the pricing of the plan; demographics, insurance company rates, age, gender, number and severity of violations, etc. An MVR Report will be mandatory before a quote can be generated. One of the worst things to show up on your record are “At Fault” accidents. Basically, if you’ve cost insurance companies money in the past, you’re going to pay for it… that’s if you can even be covered at all. A seriously bad driving record, one with 2 or more At Fault accidents, can actually cause most insurance companies to decline coverage altogether. However, we have ways of finding alternatives and have only met a few cases we couldn’t get coverage for.

How Does the FR44 Get Filed with the State?

I can’t speak for all Agents or Agencies, but if you obtain your Florida FR44 through us, we file everything for you. We put the paperwork together, make the policy active, notify Tallahassee of your compliance, electronically file your FR44 with the DMV, and email your policy to you within 30 minutes. Additionally, in approximately 5 business days, you’ll receive a “Hard Copy” of your policy from the insurance company.

Even though all of this happens quickly, it will still take anywhere from 24 to 48 hours before you’ll show up in the DMV’s system. Don’t think you can purchase a policy while sitting at the DMV and by the time they call your number, have your information logged into the system. On special occasions, with the right DMV personnel, they can/will process everything with a copy… it’s “Hit and Miss”. Obviously the best thing to do is give yourself at least 2 weeks before you need to have your license reinstated. This will ensure a smooth transaction.

Where Can You Obtain a Florida FR44?

While a number of insurance companies will sell you an FR44, many of them don’t really want to work with the “High Risk” driving market. Therefore, they price their products accordingly. By virtue of being able to offer the insurance, the company has been “cleared” by the State of Florida… so don’t worry about the company itself. However, if you’re going to receive 100/300/50 coverage no matter which company you choose, you may as well find the Lowest Price. Insurance pricing fluctuates throughout the year based upon win/loss ratios, financial stability, etc. so the price you received yesterday may not be the best price today. While it’s smart to request a quote for the future, if for no other reason than to gauge an estimated price for your policy, understand that the rate may change by the time you actually purchase the policy.

We would be happy to shop the market for your Florida FR44. You can call us at 1-855-678-6977 to speak with a licensed insurance agent or you can complete our on-line quoting form at www.MyFloridaFR44.com.

How Do I Get A Cheap Florida FR44?

The Buyer’s Guide to a Cheap Florida FR44

First, What is an Florida FR44?

A Florida FR44 Filing may be required when you have a DUI / DWI / OVWI or other alcohol related violation. An FR44 filing is similar in theory to an SR22, except that it may indicate that you maintain more than the State Minimum Coverage as just the minimum amount of coverage required by the of Florida.

If you need a Florida FR44, you will likely be required to purchase more than just the minimum amount of liability insurance.  Our agents can help you to determine what the requirements for insurance are for your state, based on your situation.

Do you need an Owner Policy or a Non-Owner? We can help you decide, but in general terms an Owner Policy has an automobile attached to it and a Non-Owner Policy doesn’t.

The terms “SR22 insurance” and “FR44 insurance”, much like “DUI Insurance”, are used by the general public, but are not official types of insurance.  Our agency helps with auto insurance for people who have a DUI or DWI on their records, as well as adding an SR22 or FR44 Filing to the insurance policy.  When you contact us, we can help explain in better detail what these terms mean.

What information do I need?

In many situations you may receive a case number.  This is usually a 9 digit number (no letters). Please make sure to provide us with your case number so that we can have the FR44 form issued correctly.  If you have your DUI / DWI conviction date available, that would be helpful as well. 

To obtain an estimate for the price of insurance with an FR44 only takes a few moments.  When you are ready to purchase your insurance, we can provide you with a new temporary ID card and FR44 in the same day. 

Can I still purchase insurance with a suspended license?

This is one of our specialties. We can still help you to purchase insurance if your license has been temporarily suspended,even with a 1 year suspension.  We are here to help.  If your license is suspended because you need an SR22 filing, just let us know.  call 855-438-7353  or get a quote here